Call reports 2006
PEACH STATE BANK & TRUST — 2006
What PEACH STATE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 64,769,000 | 70,480,000 | 77,326,000 | 91,563,000 |
| Total loans | 42,970,000 | 49,191,000 | 56,104,000 | 63,039,000 |
| Allowance for loan losses | 691,000 | 848,000 | 908,000 | 945,000 |
| Securities available for sale | 8,557,000 | 8,401,000 | 8,379,000 | 8,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,360,000 | 59,001,000 | 65,572,000 | 79,165,000 |
| Interest-bearing deposits | 43,816,000 | 49,305,000 | 55,198,000 | 67,722,000 |
| Noninterest-bearing deposits | 9,544,000 | 9,696,000 | 10,374,000 | 11,443,000 |
| Equity capital | 11,046,000 | 11,101,000 | 11,415,000 | 11,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 2,169,000 | 3,538,000 | 5,085,000 |
| Interest expense | 430,000 | 944,000 | 1,545,000 | 2,261,000 |
| Net interest income | 541,000 | 1,225,000 | 1,993,000 | 2,824,000 |
| Noninterest income | 93,000 | 162,000 | 282,000 | 435,000 |
| Noninterest expense | 573,000 | 1,101,000 | 1,692,000 | 2,370,000 |
| Provision for loan losses | 135,000 | 292,000 | 352,000 | 389,000 |
| Pretax income | -74,000 | -6,000 | 231,000 | 500,000 |
| Income tax | 0 | 0 | 0 | -268,000 |
| Net income | -74,000 | -6,000 | 231,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,147,000 | 11,215,000 | 11,488,000 | 12,030,000 |
| Total capital | 11,788,000 | 11,938,000 | 12,306,000 | 12,972,000 |
| Risk-weighted assets | 51,257,000 | 57,736,000 | 65,405,000 | 75,367,000 |